Prudential Home Insurance. Your Policy Document Standard Policy

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1 Prudential Home Insurance Your Policy Document Standard Policy

2 Welcome to Prudential Dear Customer Thank you for insuring your home with Prudential insurance, which is underwritten by U K Insurance Limited. We are determined to provide you with outstanding customer service at all times and to make insuring with us as easy and trouble-free as possible. This policy booklet provides all the details you need to know about your insurance policy. Please read this alongside your schedule and home proposal confirmation. We hope that you will insure with us for many years to come. Prudential Home Insurance 1

3 Contents Summary of Policy Limits 3 Important information 4 Definitions 6 Section 1 Buildings 8 Section 2 Contents 14 Section 3 Personal Possessions 22 Section 4 Home Emergency Legal Protection 25 Section 5 Home Emergency 33 Claims conditions 39 General conditions 40 General exclusions 43 Privacy Notice 45 Your Fixed Sum Credit Agreement 49 Helplines 50 2 Prudential Home Insurance

4 SUMMARY OF POLICY LIMITS The following is a summary of the main policy limits. You should read the rest of this policy for the full terms and conditions. Section of Cover Limit of Cover Buildings (if selected) Service pipes and cables Included Alternative accommodation and rent 25,000 Locks on outside doors Included Trace and access 5,000 Selling your home Included Emergency entries buildings Included Emergency entries gardens Included Accidental Damage Optional Accidental Breakage to fixed glass and sanitary fittings Included Property Owner s Liability 2,000,000 Contents (if selected) Valuables limit 30% of Contents sum insured Valuables single item limit 2,000 Accidental Damage Optional Accidental Damage to home entertainment equipment Included Accidental Breakage to mirrors and glass furniture Included Alternative accommodation and storage 15,000 Loss of oil or metered water Included Frozen food Included Theft from outbuildings 2,500 Contents in the garden 1,000 Money in the Home 500 Student belongings whilst at university/college 5,000 Contents temporarily away from your Home 5,000 Downloaded information 1,000 Business equipment 5,000 Guests effects 500 Special events increase 10% of Contents sum insured Tenant s Liability 5,000 Employer s Liability 5,000,000 Occupier s and Personal Liability 2,000,000 Personal Possessions Optional with contents Single item limit 2,000 Bicycles (per cycle) 500 Home Emergency Legal Protection Optional Legal costs and expenses 100,000 Home Emergency Included Home emergency (per call out) 500 Prudential Home Insurance 3

5 Policy Wording Document These policy conditions are part of your insurance contract, along with your schedule. Please read your schedule and these policy conditions to make sure you know exactly what your insurance covers. Check all the policy details and your proposal confirmation, which sets out the information you have given us, carefully. If you think there is a mistake or you need to make changes, you should notify us immediately. Failure to provide correct information or inform us of any changes could adversely affect your policy, including invalidating your policy or claims being rejected or not fully paid. Under European law, you and we may choose which law will apply to this contract. English Law will apply unless you and we agree otherwise. We've supplied this agreement and other information to you in English and we'll continue to communicate with you in English. Important information 1) How to make an insurance claim To make a claim phone How to make a Home Emergency claim To make a claim phone ) How to complain If you have a complaint, please call us on our priority number If your complaint is about a claim, contact your claims handler, whose details will be shown on your claim documents. If you want to complain in writing please send your letter to one of the following: a) For complaints about claims, write to the Regional Customer Service Manager at the address shown in your claims documents. b) For all other complaints write to the Customer Relations Manager at Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP. Our staff will attempt to resolve your complaint immediately. If this is not possible, we promise to acknowledge your complaint within five business days of receipt. In the unlikely event that your complaint has not been resolved within four weeks of its receipt, we will write and let you know the reasons why and the further action we will take. If we cannot resolve the differences between you and us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone or You can visit the FOS website at If your complaint relates to Section 4 Home Emergency Legal Protection, you can refer your complaint to arbitration instead (where an independent person, known as an arbitrator, makes a decision to settle the dispute). The arbitrator will 4 Prudential Home Insurance

6 be a solicitor or barrister or other suitably qualified person that you and we agree on. If you and we cannot agree then we will ask the Chartered Institute of Arbitrators to decide. The arbitrator s decision will be final and whoever does not win will have to pay all costs and expenses. 5) Meeting your needs. We have not given you a personal recommendation as to whether the policy is suitable for your needs. 3) Details about our regulator Prudential Home insurance is underwritten by U K Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at or the Financial Conduct Authority can be contacted on The Prudential Regulation Authority website can be visited at or the Prudential Regulation Authority can be contacted on ) Financial Services and Markets Act Under the Financial Services and Markets Act 2000, should U K Insurance Limited be unable to meet all its liabilities to policyholders, compensation may be available. Home insurance, a noncompulsory class of insurance, is covered for 90% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme at Prudential Home Insurance 5

7 Definitions Certain words in the policy booklet, your schedule and endorsements will have the same meaning wherever they appear and will apply to the whole policy unless we say that they have a different meaning within particular sections of the policy. The words and their meanings are set out below. Accidental Damage Sudden and unintentional physical damage that occurs unexpectedly. Bicycle Any bicycle including electrically powered models, (but not wind assisted models) belonging to you, and its accessories. British Isles England, Scotland, Wales, the Isle of Man, the Channel Islands, Northern Ireland and the Republic of Ireland. Buildings Your private home, fixtures and fittings, swimming pools, permanently fixed hot tubs, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, footpaths, garden walls, hedges, gates, and fences. Business Any employment, trade or profession. Business Equipment Any electronic office equipment, unless otherwise insured, including computers, keyboards, monitors and printers, wordprocessing equipment, desk-top publishing units, fax machines, photocopiers, typewriters, computer-aided design equipment and telephone equipment used for business purposes while kept in your home and worth up to 5,000 in total. Smart phones, mobile telephones and personal digital assistants (PDAs). Contents Household goods, personal possessions, camping equipment, money, satellite dishes, aerials and other articles, unless otherwise insured, for which you are responsible or that belong to you, domestic staff who live in or guests, except paying guests. a) Vehicles, caravans, trailers, hovercraft or aircraft and watercraft (except hand propelled or models) and their parts and accessories whether attached or not, except removable entertainment or navigation equipment while it is removed from the vehicle. b) Any living creature. c) Landlords fixtures and fittings. d) Securities (financial certificates except those defined as money), certificates and documents, except driving licences and passports. e) Property held or used for any business (except business equipment). Endorsement An agreed change to the terms of the policy as shown in your policy schedule. Excess The amount you must pay towards any claim. Home The building of your main domestic home occupied by you, at the address shown in 6 Prudential Home Insurance

8 your schedule, together with its domestic garages and domestic outbuildings. Money Cash, bank notes, cheques, money orders, postal orders, postage stamps (that are not part of a collection), savings stamps and savings certificates, share certificates, Premium Bonds, luncheon vouchers, traveller s cheques, travel tickets, phone cards and gift tokens belonging to you and not used for business purposes. Period of Insurance The period shown in your schedule, for which the policy covers you (as long as you pay the premium on time). Personal Possessions Valuables, luggage, clothes, sports equipment, bicycles and any other items you normally wear, use or carry which belong to you or for which you are legally responsible. Sanitary fittings Washbasins and pedestals, bathroom and kitchen sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels. Swimming pools, hot tubs and saunas. Sports equipment Articles used for sports activities, including sports clothes specifically designed to be used for any sports activity and belonging to you. Any vehicle, sand yacht, watercraft (including windsurfers, kite boards and surfboards), aircraft (including hang-gliders) or their accessories, and bicycles. Unoccupied When your home is not normally and regularly lived in by you during the day and overnight. Valuables Jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps, coins or medals all belonging to you. a) Property more specifically insured by any other policy; or b) property held or used for any business. Vehicles Any vehicle or toy propelled by a motor of any kind, except the following while being used for their intended purpose and by a person for whom they were designed: a) ride-on lawnmowers. b) electrically powered wheelchairs and mobility scooters. c) electrically powered children s ride on toys. d) electrically assisted bicycles. e) pedestrian controlled electrically powered golf trolleys. We, us, our, the company U K Insurance Limited. You, Your The person or persons named in your schedule and any of the following who normally live with them: their husband, wife, partner (a person living with them as though married), civil partner, children, parents and other relatives normally living with them. Prudential Home Insurance 7

9 Section 1 Buildings Your schedule will show if you have chosen to include this section. A Loss or damage We will pay for loss of or damage to the buildings caused by the following: 1 Fire, explosion, lightning, earthquake 2 Smoke Loss or damage caused by smog, agricultural or industrial work or anything that happens gradually. 3 Theft or attempted theft a) Loss or damage caused by you, or any paying guest or tenant. b) Loss or damage after your home has been unoccupied for more than 60 days in a row. 4 Riot, civil commotion, labour disputes or political disturbance 5 Storm or flood a) Loss of or damage to hedges, gates or fences. b) Loss or damage caused by frost. 6 Subsidence or heave of the site on which your home stands, or landslip a) Loss or damage caused by: i) normal bedding down of new structures or shrinkage; 8 Prudential Home Insurance ii) settlement of newly made up ground; iii) coastal or river erosion; iv) demolition or structural repairs or alterations to your buildings. b) Loss of or damage to, solid floor slabs as a result of their moving unless the foundations beneath the load bearing walls of your home are damaged at the same time and by the same cause. c) Loss of or damage to outdoor swimming pools, tennis courts, patios, terraces, service tanks, drains, septic tanks, pipes and cables, central heating fuel storage tanks, drives, footpaths, garden walls, hedges, gates or fences unless your home is damaged at the same time by the same cause. You must pay the amount of subsidence excess shown in your schedule, which applies to any claim for subsidence, heave or landslip. 7 Vandalism or malicious acts a) Loss or damage caused by you, or any paying guest or tenant. b) Loss or damage after your home has been unoccupied for more than 60 days in a row. 8 Collision involving an aircraft or flying object (including articles dropped from them), or vehicles or animals

10 Loss or damage caused by insects, birds or pets. 9 Falling trees or branches Loss of or damage to hedges, gates or fences. 10 Falling television and radio aerials (including satellite dishes), their fittings and masts Loss of or damage to the aerials, fittings, satellite dishes and masts themselves. 11 Water or oil escaping from any fixed water or heating installation, including underground drains and pipes, or from any domestic appliance or storage tank. a) Subsidence, heave or landslip damage caused by escaping water or oil. b) Loss of or damage to tanks, pipes, appliances or heating systems themselves. c) The cost of removing and replacing any part of the buildings to find and repair the source of any water or oil escaping from tanks, pipes, appliances or heating systems. d) Damage caused by the failure, wear and tear or lack of grouting or sealant. e) Loss or damage after your home has been unoccupied for more than 60 days in a row. You must pay the amount of escape of water excess shown in your schedule. 12 Weight of snow Loss of or damage to: a) Domestic garages and outbuildings not constructed of brick, stone or concrete, or not roofed with tiles or slates. b) Fences, gates and hedges. 13 Frost damage to water pipes and tanks a) Plumbing that is outside or in an outbuilding. b) Loss or damage after your home has been unoccupied for more than 60 days in a row. B Extra Cover (included as standard) 1 Locks on outside doors We will pay the necessary cost of replacing and fitting locks on the outside doors of your home if the keys to your home have been lost or stolen. Any claim for lost keys may be made under Section 1 or Section 2 of this policy but not under both. 2 Fees and Clearance Costs We will pay: a) chartered architects, surveyors, suitably qualified consultants and legal fees, which are necessary for us to rebuild your home, but not fees for preparing any claim under the policy; and Prudential Home Insurance 9

11 b) the costs of clearing the site and making it and the buildings safe, if the fees and costs are necessary for us to repair or rebuild the buildings after damage covered under Section 1. 3 Local Authority Requirements We will pay the additional cost of rebuilding or repairing the damaged part of the buildings only if this is necessary to comply with any government or local authority requirement after damage covered under Section 1. If you have been told about the requirement before the damage happened. 4 Alternative Accommodation, kennel fees and rent We will pay if your home is not fit to be lived in as a result of damage for which a valid claim covered under Section 1 of the policy has been made, or it is occupied by squatters: a) providing the property is your main home, the necessary cost of comparable alternative accommodation for you and your pets while your home is being repaired; or b) if you rent out your property, the amount of rent you would have received but have lost as a result of it being unoccupied because of the damage. We will not pay more than 25,000 in total for any alternative accommodation or rent claims. 10 Prudential Home Insurance 5 Cover between exchange and completion when selling your home If you are selling your home, the buyer will be covered under Section 1 up to the date the sale completes. a) If the property is insured under any other policy; or b) after the sale has been completed; or c) for more than the amount insured by Section 1. 6 Emergency entries buildings We will pay for loss of or damage to the buildings caused when the fire brigade, police or ambulance service have to make a forced entry because of an emergency involving you. 7 Emergency Entries gardens We will pay for loss of or damage to garden landscaping caused when the fire brigade, police or ambulance service have to make a forced entry because of an emergency involving you. 8 Trace and access We will pay the cost of removing and replacing any part of the buildings to find the source of any water escaping from tanks, pipes, appliances or the fixed heating system of the buildings and the cost of repairing any burst pipes located. The cost of any loss of or damage to your household tanks, appliances or the fixed heating system. We will not pay more than 5,000.

12 9 Service Pipes and Cables We will pay for accidental damage to underground drains, pipes, cables and tanks which you are legally responsible for and which provide services to or from your home. After your home has been unoccupied for more than 60 days in a row. 10 Glass and sanitary fittings We will pay for accidental breakage of fixed glass in windows, doors or roofs, fixed ceramic hobs or fixed sanitary fittings in your home. a) Breakages caused by any paying guest or tenant. b) After your home has been unoccupied for more than 60 days in a row. C Buildings Accidental Damage (optional Extra) This section is an optional extension to Section 1 Buildings. Your schedule will show if you have chosen to include it. We will pay for accidental damage to the buildings. a) Damage caused by any paying guest, tenants or pets. b) Damage by a cause listed or specifically excluded in part A of Section 1. c) The cost of maintenance and routine redecoration. d) Damage caused by the failure, wear and tear or lack of grouting or sealant. e) After your home has been unoccupied for more than 60 days in a row. D Property Owner s Liability We will pay for all amounts you become legally liable to pay as damages, in your capacity as owner of your home or any property formerly owned and occupied by you for residential purposes as a result of a claim made against you for: a) accidental death of or bodily injury to any person; and/or b) accidental loss of or damage to any property, which happened during the period of insurance shown in your schedule. The loss, damage, illness or injury must be caused solely by you as owner of your home or solely by you in connection with your home which you used to own and live in under Section 3 of the Defective Premises Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order In the latter case you must not be covered by any other insurance, and must no longer be the owner of or have any interest in the property. a) Death of or bodily injury to you or any member of your family or domestic staff. b) Damage to property belonging to or in the custody or control of you, or your domestic staff. Prudential Home Insurance 11

13 c) Any liability caused by any business. d) Any liability caused by an agreement, unless you would have had that liability anyway. We will not pay more than 2,000,000 for any claim. In addition we will pay costs and legal fees for defending you, as long as we have agreed to do so in writing beforehand. E The Basis of Settling Buildings Claims 1) If the buildings are damaged by any cause insured under Section 1, we will at our option, and subject to the adequacy of the sum insured: a) manage and pay the costs of repairing or rebuilding the damaged part using our own suppliers; or b) pay the cost of repairing or rebuilding the damaged part using any other suppliers; or c) make a cash payment which will not be more than a) above. 2) If the damage to the buildings is not repaired or rebuilt we will at our option pay the difference between the value of selling your property on the open market immediately before the damage and its value after the damage. 3) We will not deduct any amount for wear and tear as long as at the time of damage the buildings were in a good state of repair. 4) If at the time of damage the buildings were not in a good state of repair we will deduct an amount to reflect wear and tear from the settlement method described above. 5) We will not pay the cost of altering or restoring any undamaged part of the buildings. 6) We will not pay for any drop in the market value of your property resulting from rebuilding or repairing damage to your buildings. 7) The most we will pay for any claim will be the total sum insured shown in your schedule or the full rebuild cost of your buildings whichever is the lesser, plus any amounts due under parts B2, B3, and B4 of this Section 1. 8) You must pay the policy excess shown in the schedule, unless we have said otherwise. We will only deduct one excess per claim, unless we have endorsed your policy to say otherwise. If we have appointed one of our suppliers to deal with all or part of your claim, they may be asked to collect the excess directly from you on our behalf. 9) The sum insured will not be reduced as a result of us paying a claim except for a total loss. 10) If, at the time of any loss or damage, the buildings sum insured is not enough to reconstruct your buildings we will proportionally reduce the amount of any claim payment made by the percentage 12 Prudential Home Insurance

14 of under payment of premium which has arisen as a result of the shortfall in the sum insured. For example, if the premium you have paid for your buildings insurance is equal to 75% of what your premium would have been if your buildings sum insured was enough to reconstruct your buildings, then we will pay up to 75% of any claim made by you. 11) We will not pay the cost of replacing or altering any undamaged items solely because they form part of a set or suite, group or collection of items of a uniform design, nature or colour. Home Repair Network Prudential Home Insurance includes a Home Repair Network Service. This network includes a database of honest and reputable tradesmen. We will try to deal with your claim quickly, find the right people for the job and liaise with them directly. We only use vetted builders and we sort all the costs out directly with them. Any work performed by our builders on your house is guaranteed for 12 months. Prudential Home Insurance 13

15 Section 2 Contents Your schedule will show if you have chosen to include this section. A Loss or damage We will pay for loss of or damage to the contents of your home caused by the following: 1 Fire, explosion, lightning, earthquake 2 Smoke Loss or damage caused by smog, agricultural or industrial operations or anything that happens gradually. 3 Theft or attempted theft a) Loss by deception, unless the only deception used is to get into your home. b) Loss of money unless someone has used force and violence to get into or out of your home. c) Loss or damage caused by any paying guest or tenant. d) Loss or damage while your home or any part of it is lent or let. e) Loss or damage after your home has been unoccupied for more than 60 days in a row. We will not pay more than 2,500 for any contents claim following a theft from your garage(s) or outbuilding(s). 4 Riot, civil commotion, labour disputes or political disturbance 14 Prudential Home Insurance 5 Storm or Flood 6 Subsidence or heave of the site on which the building of your home stands, or landslip a) Loss or damage caused by normal bedding down or shrinkage. b) Settlement of newly made up ground. c) Loss or damage caused by coastal or river erosion. d) Loss or damage caused by demolition or structural changes or repairs to your home. 7 Vandalism or malicious acts a) Loss or damage by any paying guest or tenant. b) Loss or damage after your home has been unoccupied for more than 60 days in a row. 8 Collision involving an aircraft or flying object (including articles dropped from them), or vehicles or animals a) Loss or damage caused by birds, insects or pets. b) Loss or damage caused by falling trees or branches. c) Loss or damage caused by falling television and radio aerials (including satellite dishes) and their fittings.

16 9 Water or oil escaping from any fixed water or heating installation, including underground drains and pipes, or from any domestic appliance or storage tank a) Subsidence, heave or landslip damage caused by escaping water or oil. b) Loss of or damage to tanks, pipes or heating systems themselves. c) Damage caused by the failure, wear and tear or lack of grouting or sealant. d) Loss or damage after your home has been unoccupied for more than 60 days in a row. You must pay the amount of escape of water excess shown in your schedule, which applies to any claim for escape of water. 10 Falling trees or branches 11 Falling television and radio aerials (including satellite dishes), their fittings and masts B Extra Cover (included as standard) 1 Contents in the garden We will pay for loss of or damage to your contents from any cause listed under Section 2A Contents (and Section 2C Accidental Damage if shown as included on your schedule) while in the open and inside the boundaries of your home. a) Loss of money. b) Loss of or damage to bicycles. c) Loss or damage after your home has been unoccupied for more than 60 days in a row. We will not pay more than 1,000 for any claim. No excess applies. 2 Plants in the garden We will pay for loss of or damage to trees, shrubs, plants and lawns. We will also pay for any design fees necessary to put right this loss or damage. a) Loss of or damage to trees, shrubs, plants and lawns as a result of the ground sinking (subsidence) unless your home is damaged at the same time and by the same cause. b) Loss or damage caused by any pets, other animals, birds, insects, fungus, or frost. c) Trees, shrubs, plants or lawns dying naturally or because you have not looked after them properly. d) Loss of or damage to trees, shrubs, plants and lawns on land not belonging to your home. e) Loss or damage caused by storm, flood, or weight of snow. f) Loss or damage after your home has been unoccupied for more than 60 days in a row. Prudential Home Insurance 15

17 We will not pay more than 250 for any one plant, shrub or tree. We will not pay more than 1,000 for any claim. No excess applies. 3 Contents temporarily away from your home We will pay for loss of or damage to contents from any cause insured under part A of Section 2 while the items are temporarily away from your home and inside the British Isles. a) Loss by deception. b) Loss of or damage to guests effects. c) Loss by theft, vandalism or malicious acts unless in an occupied private home or building where you work, or force and violence is used to enter the building. d) Personal possessions. e) Camping equipment. f) Money whether used for personal or business purposes. g) Bicycles. We will not pay more than 5,000 after the loss of or damage to contents temporarily away from your home. 4 Contents at university/college We will pay for loss of or damage to contents from any cause insured under part A of Section 2 while the items are temporarily away from your home and kept in your lodgings while you are at university, college or boarding school in the British Isles. a) Loss or damage by a cause listed in or specifically excluded by B3 of this Section 2. b) Loss of money. c) Loss by deception. d) Loss by theft unless there is evidence of forcible and violent entry to your lodgings. e) Loss of or damage to guests effects. We will not pay more than 5,000 after the loss of or damage to contents at university or college. 5 Household removals We will pay for loss of or damage to your contents by a cause listed under Section 2A Contents (and Section 2C Accidental Damage if shown in your schedule) while they are being permanently removed from your home to any other private property you are going to live in inside the British Isles, including while they are temporarily stored for up to 72 hours. a) Loss of or damage to money. b) Loss of or damage to china, glass, earthenware or other fragile items. c) Loss of or damage to bicycles. d) Loss or damage caused by any paying guest or tenant. 16 Prudential Home Insurance

18 6 Alternative accommodation and storage Providing you live in the property and your home is not fit to be lived in as a result of a valid claim made under part A of Section 2 of the policy we will pay: a) the necessary cost of comparable accommodation for you and your pets while your home is being repaired; b) the necessary cost of temporarily storing your contents while your home is being repaired. We will provide cover for your contents as long as no other insurance cover is in place. We will not pay more than 15,000 in total for any alternative accommodation and storage costs. We will provide cover for your contents as long as no other insurance cover is in place. 7 Oil and metered water We will pay for the loss of oil from the domestic heating installation and loss of metered water caused by any cause insured under part A of Section 2 of the policy. 8 Locks on outside doors We will pay the cost of replacing and fitting locks to the outside doors of your home or to any safe or alarm system in your home if the keys to the locks have been lost or stolen. Any claim for lost keys may be made under Section 1 or Section 2 of this policy but not under both. 9 Title deeds We will pay the necessary cost of preparing new title deeds to your home after loss or damage caused by anything insured by part A of Section 2 while the deeds are in your home or in your bank for safe keeping. 10 Religious festivals For the period starting 30 days before and finishing 30 days after a religious festival (if within the period of insurance shown in your schedule), we will increase the sum insured shown in your schedule under this Section 2 by 10% of the sum insured for contents. 11 Wedding and civil partnership gifts For the period starting 30 days before and finishing 30 days after the wedding day or civil partnership ceremony of you or any member of your family (if this is within the period of insurance shown in your schedule), we will increase the sum insured shown in your schedule under this Section 2 by 10% of the sum insured for contents. 12 Birth increase For the period starting 30 days before and finishing 30 days after the birth of a child to you or any member of your family (if this is in the period of insurance shown in your schedule), we will increase the sum insured shown in your schedule under this Section 2 by 10% of the sum insured for contents. 13 Downloaded information We will pay the cost of replacing information that you have bought and Prudential Home Insurance 17

19 stored on your home computer, mobile phone or other portable entertainment devices and that is lost or damaged as a result of any cause listed in part A of this Section 2. a) Remaking a file, tape, disc or disk. b) Rewriting the information contained on your home entertainment equipment. We will not pay more than 1,000 for any claim. 14 Frozen and chilled foods We will pay the cost of replacing any food in your freezer or fridge, lost or damaged by the temperature rising or falling or the refrigerant or refrigerant fumes escaping. a) Any deliberate act of the electricity provider or its employees. b) Any claim when the refrigeration unit is over ten years old unless it is regularly serviced. c) Any deliberate act or neglect by you. d) After your home has been unoccupied for more than 60 days in a row. 15 Home entertainment equipment We will pay for accidental damage to any home audio, video or home computing equipment while in your home. a) Loss of or damage to any discs, records, memory cards, USB drives or musical instruments. b) Loss of or damage to any audio, video or computing equipment designed to be portable. c) Damage by any paying guest or tenant. d) Uninsurable risks. e) After your home has been unoccupied for more than 60 days in a row. 16 Glass We will pay for accidental breakage of mirrors, fixed glass in furniture, pictures or ornaments, plate glass tops to furniture and ceramic hobs while in your home. a) Breakage by any paying guest or tenant. b) After your home has been unoccupied for more than 60 days in a row. C Contents Accidental Damage (optional extra) This section is an optional extension to Section 2 Contents. Your schedule will show if you have chosen to include it. We will pay for accidental damage to your contents in your home or while being removed to your new home. a) Damage to bicycles or money. b) Damage caused by any paying guest, tenants or pets. c) Damage by a cause listed in or specifically excluded by part A of this Section Prudential Home Insurance

20 d) Damage caused by the failure, wear and tear or lack of grouting or sealant. e) Damage after your home has been unoccupied for more than 60 days in a row. D Occupier s and Personal Liabilities We will pay all amounts you become legally liable to pay as damages in your capacity as occupier of your home, or for any other reason, as a result of: a) accidental death of or bodily injury to any person; b) accidental loss of or damage to property, which happened during the period of insurance shown in your schedule. Liability for: a) death of or bodily injury to you or your domestic staff; b) damage to property belonging to or in the custody or control of you, or your domestic staff; c) claims caused by the following: i) you owning any land or building, or you occupying any land or building except your home or temporary holiday accommodation; ii) any business; iii) an agreement unless that liability would have existed anyway. d) you owning, keeping or using any: i) vehicles except the following while being used for their intended purpose and by a person for whom they were designed: ride on lawnmowers, electrically powered wheelchairs and mobility scooters, electrically powered children s ride on toys, electrically assisted bicycles and pedestrian controlled electrically powered golf trolleys; ii) caravan while being towed; iii) watercraft, hovercraft, land yacht or any other wind powered or wind assisted vehicles, windsurfers, kite boards and aircraft except hand-propelled craft or models; iv) animals except domestic pets; v) horses, donkeys or mules; vi) dangerous dogs as described under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1983 and any changes to that legislation. e) any communicable disease (one able to be passed from one person to another). We will not pay more than 2,000,000 for any claim. Prudential Home Insurance 19

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